There is no button that lists everything you pay for. But there are four places that between them cover almost all of it, and working through them takes about twenty minutes once.
The short answer
Check four sources in this order: your App Store subscriptions list, your card and bank statements for the last 12 months, your email for receipt keywords, and your browser's saved passwords. The first two find most of it. The last two find the annual ones, which are the expensive ones.
1. Your App Store subscriptions (2 minutes)
On iPhone: Settings → your name → Subscriptions. This is the single highest-yield list, because anything you subscribed to inside an iPhone app is billed by Apple and appears here — including things you signed up for years ago on a phone you no longer own.
It shows active and expired subscriptions, so scroll past the active ones: the expired list is a good memory jog for services you might still be paying for elsewhere. Full walkthrough in our Apple subscriptions guide.
2. Twelve months of statements (10 minutes)
Not one month — twelve. A monthly sweep only ever finds monthly subscriptions, and the annual ones are where the real money sits. Open your card and bank statements and scan for repeating amounts.
Two tricks that speed this up:
- Search rather than scroll. Most banking apps let you search transactions. Try the merchant names you'd expect first, then scan what's left.
- Look for odd amounts. Subscriptions rarely bill in round numbers. A recurring $11.99 or £8.49 is almost always a subscription; a recurring £20.00 is more likely a transfer.
Watch for descriptors that don't match the product. Payments often show as the parent company, a payment processor, or an abbreviation you won't recognise. If you can't identify a line, search the exact descriptor text — someone else has asked about it.
3. Your email (5 minutes)
This is the one that finds annual renewals, because you almost certainly got a receipt. Search your mail for:
receipt,invoice,your subscriptionrenews on,auto-renew,will be chargedfree trial— this finds the ones that converted quietlywelcome to— the sign-up confirmations for things you forgot you joined
Sort by oldest first. Recent receipts you already know about; it's the ones from eighteen months ago that are costing you.
4. Your saved passwords (3 minutes)
An underrated one. Your password manager or browser's saved-logins list is a record of every service you ever created an account with. Most are free, but scanning the list will surface names you'd completely forgotten — and each one is a prompt to check whether it's billing you.
What this method can't do
It won't catch a subscription billed to a card you no longer check, paid by a partner, or charged to a PayPal balance you don't reconcile. It also won't catch a free trial that hasn't billed yet — nothing that reads history can, which is the argument for tracking trials at sign-up rather than discovering them at charge time.
Then write it down once
The sweep is worth doing once. Doing it every quarter forever is not — you'll stop after the second time. The point of the exercise is to produce a list you then maintain, adding each new subscription at the moment you sign up, when you already know the price and the date.
That's the job TrialBell does: you add it once, it computes the cancel-by date, and it reminds you before each renewal so nothing gets a second chance to become forgotten.
One list, kept current
TrialBell tracks every trial, subscription and bill on your iPhone, works out the cancel-by date, and reminds you before each renewal. No bank connection, no account. Free for 3 subscriptions; Pro is a one-time $19.99.
Coming soon to theApp StoreFrequently asked
How do I find all my subscriptions in one place?
There is no single list. The closest is your iPhone's Settings → your name → Subscriptions, which covers everything billed through Apple. For the rest, scan twelve months of card statements, search your email for receipt keywords like 'renews on' and 'auto-renew', and skim your saved passwords for services you'd forgotten.
Can I find forgotten subscriptions without linking my bank?
Yes. Reading your own statements, searching your email receipts and checking your App Store subscriptions finds almost everything, and none of it requires giving a third-party app access to your accounts. Bank-linked apps automate the statement step — that's the convenience you're trading privacy for.
Why should I check twelve months of statements, not one?
Because annual subscriptions only appear once a year, and they're usually the most expensive ones. A one-month scan finds only monthly billing.
Written by the TrialBell team and updated 29 July 2026. Where this guide describes another app, the detail comes from that app's public App Store listing on the date shown.